Visitor Insurance from India

Traveling to the USA is an experience that you will never forget. Whether you are traveling to visit family, seeing the US for the first time or just making a stop along the way, there is a good chance that you will need to apply for a visa. As someone traveling from India to the U.S., there are certain cultural differences that you will also encounter, but those differences are what make your trip so rewarding in the end. Whatever your reasons for visiting the United States, you will have the opportunity to explore a new culture and learn from new experiences.

The U.S. is country of many cultures, spread across a diverse landscape, so there is a part of the country for everyone, whether you’re visiting, studying, or working. In many cases, receiving a visa is not that difficult. However, you need to make sure that you follow all of the steps and meet all of the requirements in order to obtain your visa. Below, you will find helpful advice on obtaining a visa, making travel plans, and the cultural differences between India and the US.

Before you begin the visa application process, you will need to determine which type of visa you qualify for and which one is most appropriate for your trip. No matter which type of visa you are applying for, you will have to submit Form DS-160, which is the online nonimmigrant visa application. From this form, consular officers will begin processing your application. The form will be used to help establish your eligibility to receive a U.S. visa. Here are some other visa requirements that you will have to complete and provide before you can obtain your visa:

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1Visa Requirements The Documents

  • Passport: One of the most important things that you need to have before you begin the application process is a valid passport. Not only does your passport need to be valid while you are in the U.S., but it must also be valid for at least six months after you intend to return home.
  • Visa Insurance: You may not be required to show proof of visa insurance for every type of visa, but the U.S. Department of State does strongly recommend you purchase health insurance prior to your trip. Purchasing visa insurance reflects well on you: you appear conscientious and forward-thinking, qualities that consular officers will find favorable.
  • Purpose of the Trip: Through the process of obtaining your visa, you will also be required to show proof of the purpose of your trip. This means that if you are traveling to the U.S. for business, you must support that assertion with documentation, usually a contract or other written agreement.
  • Travel Plans: You will need to make preliminary travel plans prior to your visa interview because you will need to provide the embassy with the dates of your travel. Knowing this ahead of time will also help you plan the rest of your travels.
  • Financial Support: How will you support yourself while you are in the United States? If you are traveling for work, then you will need to provide statements or contracts from your employer stating how much money you will be making. For those not traveling for work, you will need to provide your personal financial statements or prove that you have financial support from another source.
If I live in the USA, can I just add my parents to my current health insurance when they visit?
Parents are not considered dependents and typically cannot be added to a son or daughter’s insurance plan while they are visiting them from another country. If you are traveling to the U.S. or are looking for visitor health insurance for individuals traveling to the U.S., Atlas America® offers protection against the high cost of medical care in the U.S. if something unfortunate should occur. Having travel medical insurance from a company based in the U.S. can also help you understand and navigate the U.S. healthcare system. Atlas America® insurance can protect you from incurring medical costs for your visitors and provides visitors health insurance upon which you can depend for health coverage and medical monitoring during difficult health situations. HCC Medical Insurance Services has many years of experience dealing with the U.S. health care system and a reliable financial reputation within the U.S. Similar to a U.S. domestic insurance carrier, Atlas Travel insurance gives you an insurance card that can be shown to U.S. doctors and hospitals to prove you have medical insurance coverage. It also gives you access to a comprehensive Preferred Provider Organization (PPO) list which can be searched by gender, specialty and language in addition to location of doctors, clinics, and hospitals that are willing to bill HCC Medical Insurance Services directly for your medical care.

Compare Insurance for Visitors from India Plans

Covered Benefits Provided With Atlas Travel® Atlas Travel® Competitors
Guaranteed Acceptance Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility. Yes. Some companies offer guaranteed issue policies.
Coverage for pre-existing conditions (excludes chronic and congenital conditions) Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details. Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.
100% coverage for accidents and injuries outside the U.S. Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details. Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network
100% coverage for accidents and injuries inside the PPO Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details. Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.
Sports coverage at no additional charge Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations. No. Up to 20% additional cost to add coverage for sports
Emergency medical evacuations available 24/7 Yes, $1,000,000 in coverage regardless of policy maximum Yes, but coverage amounts for medical evacuation are much lower.
Complete online enrollment capabilities & immediate fulfillment Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved Varies.
Crisis response benefit Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping. No. Competitor travel medical plans do not include a crisis response benefit.
Personal liability benefit Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements. No. Competitor travel medical plans do not include a personal liability benefit.
2Tips Travel Preparations

Making Travel Plans for Visitors from India

With so many things on your mind about traveling or moving to the U.S., it is easy to overlook or forget the little details. In order to best prepare yourself, you should start making your travel plans as soon as possible. In fact, the sooner you make your plans, the better. You should be keeping these things in mind as you plan for your trip or move:

  • Book plane tickets well in advance. You will want to book your plane tickets early so that you can get the best deals possible. Your instinct might be to jump on the first deal you see, but looking early means you will have time to shop around and compare deals from different airlines. When searching for flights, try to avoid searching for and booking flights on weekends or around holidays. Airlines raise their prices during these periods. You will find better deals on weekdays.
  • Contact schools and employers as soon as you know about your visa. When your visa is confirmed, contact your new employer or, if you are a student, the school you will attend. They should be able to help you make travel arrangements and help you find somewhere to live.
  • Figure out where you are living before you leave home. Before you leave home, you should know where you are going to live in the U.S. If your school or employer cannot help you find a place to live, use the Internet to search for apartments or houses to rent. You should probably avoid buying property since you will only be in the U.S. temporarily.
  • Make transportation plans before you leave home. How do you plan on getting from the airport to your new home? How do you plan on traveling around once you are settled in? If you are going to use public transportation like trains and buses, then you most likely will be able to purchase passes before you even leave home. In the same vein, if you are going to rent a car, then you should make those reservations as soon as you make the decision to avoid availability problems.
  • Pack your bags well in advance. One of the easiest things to overlook when you are planning to move is packing. If you do not plan your packing, you will likely forget something or toss items into your suitcase that you will not need. You should start packing a week or so before you leave, that way you can make sure you have everything. Certain items, like toiletries, can be left at home because you can purchase those items when you arrive in the U.S.

Differences in U.S. and Indian Culture for US Visitors

3Tips Cultural Differences

No matter where you travel around the world, you are always going to notice that there are cultural differences between the places you travel to and your home the place you are from. For some people, these differences can be overwhelming and cause them to have a poor experience during their time abroad. However, one of the best ways to deal with differences is to learn and understand what they are before you leave home. Traveling abroad can be a rewarding experience for anyone as long as you go into the situation with an open mind and understand that there will be differences between your old home and your new home. In order to make the best of the experience, you should embrace the new culture, learn as much as possible, and teach others about your own culture. Here are just a few differences you can expect to encounter:

US Cultural Differences for Visitors from India

  • You may be used to speaking to people face-to-face on a regular basis. For example, if you need to talk to someone in your office, then you most likely will get up from your desk and walk over to their desk. However, in the U.S. it is not uncommon for people in the same office to communicate via the Internet or other forms of electronic communication.
  • If you are traveling from a city in India to a city in the U.S., you may notice that they are not quite as crowded. Depending on the city, public transportation is utilized by almost everyone and so the streets are a little less crowded. In other cities, the streets are full of cars, but no bicycles or other forms of pedestrian transportation.
  • For those who are used to driving cars in India, you should know and understand that driving in the U.S. is very different. Whereas some road laws and rules are not as heavily enforced in India, they all are in the U.S. Speeding is not tolerated, you must buckle up, and running red lights is considered extremely dangerous and illegal.

Remember as you travel to the U.S. that your domestic insurance will most likely not follow you, so purchasing visa insurance is a great idea. You also need to be as open and honest as possible when filling out your visa application and when answering questions at your visa interview. Be sure to have fun while you are in the U.S. and explore the world around you!

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.